Wednesday, January 26
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Tag: Grow

How to Consolidate Credit Card Debt

Uncategorized
Credit card debt is on the rise. Millions of Americans are in over their heads. They’re losing sleep, losing control, and worried about what the future will hold. But there are solutions, and consolidation is one of the best. Consolidation works by “consolidating” multiple debts into one. It’s the perfect solution for mounting debt, one that doesn’t destroy your credit score, liquidate your assets, or make it difficult to acquire mortgages and personal loans in the future. With that said, let’s look at some of the best ways to consolidate credit card debt. Option 1: Do It Yourself The idea of debt consolidation essentially boils down to acquiring a large, low-interest loan and using that to repay multiple high-interest debts. If your credit score is high enough, you can get th...

How to Explain a Gap in Your Résumé

Interest Only Loans
My first job out of college was with a recruiting firm run by three women who had nearly a hundred combined years of experience in the workforce. They taught me everything I needed to know about how to read resumes, including the warning signs to look for. A gap in employment was, according to them, the kiss of death. Today, a hot minute and three U.S. presidents later, I truly believe that wisdom is as outdated as my prom dress. It was fine in the moment, but the moment has passed.   Each of us is complex and unique, and our personal stories should reflect that. The rules of employment history have changed, and the story you craft about your timeline is yours. Whether your employment gap happened because of a layoff, becoming a caregiver, taking a sabbatical, exploring entrepren...

Why More People May Buy Life Insurance in 2021

Banking, Life Insurance
A federal law passed at the end of 2020 has made permanent life insurance more attractive to some people. The law essentially tweaks the tax code to allow owners of permanent policies to put more money into the savings portion of their policy. As we have explained previously, permanent policies, also known as whole life policies, are a combination insurance-and-savings vehicle.Source: moneytalksnews.com

Homie & Girl Scouts Partner to Build Cookie Castle

Home Buying
As with many things in 2020, selling homes and cookies is being done differently; that’s why we’ve teamed up with the Girl Scouts-Cactus Pine Council in Arizona. In an effort to foster creativity, engineering, and entrepreneurial skills amongst the Girl Scouts we’ve donated $15,000 to the foundation. Similar to Homie, Girl Scouts encourages innovation and finding new ways of doing things. When Girl Scouts were forced to sell cookies indoors as a result of safety precautions due to the Coronavirus pandemic, we wanted to create something eye-catching and fun. The result – a cookie castle. What is a Cookie Castle? One local Girl Scout, Mija and her father are building a 9-foot by 9-foot by 13-foot tall castle mostly out of Girl Scout cookie boxes. This will be the focal point to the ...

Affording a Second Child: How to Make Your Budget Work

Budgeting, Family Finance, San Antonio
Having kids is anything but cheap. According to the USDA, families can expect to spend an average of $233,610 raising a child born in 2015 through age 17—and that’s not including the cost of college. The cost of raising a child has also increased since your parents were budgeting for kids. Between 2000 and 2010, for example, the cost of having children increased by 40 percent. If you’ve had your first child, you understand—from diapers to day care to future extracurricular activities, you know how it all adds up. You’ve already learned how to adjust your budget for baby number one. How hard can it be repeating the process a second time? While you may feel like a parenting pro, overlooking tips to prepare financially for a second child could be bad news for your bank a...

15 Home Business Ideas & The Free Courses You Need To Get Started

Auto, Extra Income
Are you looking for a work from home job or some at home business ideas? If so, then I have a great list of free resources, such as courses and guides, that will help you find the best option and learn how to get started. Plus, all of the courses and guides in this article are free! If you're looking to make extra money, or even a full-time income, working from home is a great option. There are lots of realistic home business ideas that allow you to work on a flexible schedule. In fact, around 50% of U.S. businesses are home based, and that number is expected to grow well into the future. But, many people don't know what kind of options are available or how to get started with their in home business ideas. This article is a good starting point because I'm going to tell you about 15 differ...

Does Paying the Minimum Hurt Your Credit Score

Home Loans By State
Credit card bills can be confusing. If everything was straightforward and clear, credit card debt wouldn’t be such a big issue. But it’s not clear, and debt is a massive issue for millions of consumers.  One of the most confusing aspects is the minimum payment, with few consumers understanding how this works, how much damage (if any) it does to their credit score, and why it’s important to pay more than the minimum. We’ll address all of those things and more in this guide, looking at how minimum credit card payments can impact your FICO score and your credit report. What is a Credit Card Minimum Payment? The minimum payment is the lowest amount you need to pay during any given month. It’s often fixed as a fraction of your total balance a...